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Cross-Pay

Your users pay with any token on any chain — recipient gets their preferred stablecoin on any chain

Cross-Chain Payment· ~30s

Sender Pays

ZECZEC

2.1

on Zcash

Recipient Gets

USDCUSDC

90.00

on Base

To address0x9dE...1bF5

Powered by NEAR Intents

NEAR Intents

Cross-Pay

Your users pay with any token on any chain — recipient gets their preferred stablecoin on any chain

31

chains

100+

assets

~30s

settlement

1 day

to integrate

How It Works

Step 1 of 4Stablecoin amount, any source token

Set the payment request

The recipient specifies the exact stablecoin amount they need — for example, 500 USDC on Base or 100 USDT on Solana. You can expose this as a direct pay flow or a shareable payment link/QR code. The sender then picks any crypto they hold to pay with.

Examples

Initiating a cross-chain payment in ZODL — paying with ZEC, recipient gets USDC
⤢

ZODL

Initiating a cross-chain payment in ZODL — paying with ZEC, recipient gets USDC

Confirming a cross-chain payment in ZODL — one signature, exact stablecoin delivery
⤢

ZODL

Confirming a cross-chain payment in ZODL — one signature, exact stablecoin delivery

PingPay — create a shareable payment link, request any asset on any chain, payer pays with anything
⤢

PingPay

PingPay — create a shareable payment link, request any asset on any chain, payer pays with anything

User Stories

A crypto wallet user·Wants to pay a merchant who accepts USDC on Base, but only holds BTC

Using Your wallet app

  1. 1Opens your wallet → taps Pay
  2. 2Scans merchant's payment request: $500 USDC on Base
  3. 3App shows: 'Pay with BTC — merchant receives USDC on Base'
  4. 4User confirms — signs one Bitcoin transaction
  5. 5Merchant receives exactly $500 USDC on Base

Without NEAR Intents

Sell BTC on a CEX, buy USDC, bridge to Base, send to merchant. 30+ minutes, multiple fees, multiple apps.

An online merchant·Runs an e-commerce store, wants to accept crypto payments without conversion friction

Using Payment gateway / checkout app

  1. 1Integrates NEAR Intents cross-pay API or widget
  2. 2Customer checks out and selects 'Pay with crypto'
  3. 3Customer pays with ANY token on ANY of 31 chains
  4. 4Merchant receives USDC on their preferred chain automatically
  5. 5No manual conversion, no CEX involvement

Without NEAR Intents

Accept only 2-3 tokens on 1-2 chains. Miss payments from the majority of crypto holders.

A power user·Needs to send $200 USDT to a friend on Ethereum, but holds SOL

Using Multi-chain wallet

  1. 1Opens wallet → taps Send
  2. 2Enters friend's Ethereum address and amount: 200 USDT
  3. 3Selects SOL as payment source
  4. 4Signs one Solana transaction
  5. 5Friend receives exactly 200 USDT on Ethereum

Without NEAR Intents

Bridge SOL to Ethereum, swap to USDT, send. Three transactions across two apps.

Case Studies

ZODL

ZODL

live

Privacy-first Zcash wallet that uses NEAR Intents to give users cross-chain access to 31 chains and 100+ assets — without leaving the app.

cross chain swapscross payasset onboarding

Revenue Model

Fee Structure

Configurable fee per payment — typically 20 to 100 basis points. Fees are fully customizable per route, so you can set lower fees for stablecoin-to-stablecoin payments and higher fees for cross-asset payments. You keep the fees you configure.

Ready to add cross-pay to your product?

Integrate cross-chain capabilities in as little as 1 day with the NEAR Intents widget, or 1 week via API.

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